GEMC Federal Credit Union

Spend Less. Save More.
Our Low-Interest Car Loan Leaves More for Your Savings Account

Every penny you pay in interest is a penny that will never make it into your savings account. So if your New Year's plans involve both a resolution to save and a new vehicle, start with a GEMC Federal Credit Union auto loan. Don't be enticed by low-rate dealer financing without learning the true cost of the loan. You could pay less by financing with GEMC Federal Credit Union.

We offer rates as low as 4.85% APR* for hybrid vehicles
Great rates for standard vehicles, too!

Where should you start?
If you are in the market for a new vehicle, come to us BEFORE you even start the shopping process. We can help you understand the jargon about dealer financing incentives and make sense of it all. We can help you compare your loan options in black and white, side by side. You will find the best way to pay less and save more!

Save time, too!
Next, call Car Solutions at (404) 677-8727. Car Solutions is the car buying service that will take the hassles out of your hunt. Just give them the features you want in your vehicle and let Car Solutions do all the work. They will find the vehicle you want and negotiate a great deal. They will even deliver the car to you at the credit union.

Don't wait! Call the credit union at Tucker (770) 270-7851, Douglasville (770) 949-3557, or Dallas (770) 445-2800 to apply for a loan, or log on to www.gemc.org

*Annual Percentage Rate. Rates subject to change. Rate effective as of 12/14/07.

President’s Letter
Dear Credit Union Member:

Happy New Year! The new year is always an exciting time because it is a fresh beginning and a chance to start with a clean slate as you work toward reaching your goals. It is a great time to take stock of your financial situation. When you stop and take inventory of your bills, your savings and your financial habits and goals, you will have a better perspective of where you are and where you'd like to go. If there are changes you would like to make in your finances or something you have always thought you needed to fix, now is the time. Whether the goal is big or small, putting it into words will give you something to work toward during the year. It can be scary to put your goals down in black and white. However, don't be intimidated. It will keep the promise of good things to come in the forefront of your mind. Most goals cannot be achieved all at once, but don't be discouraged! You may not be able to make any huge changes, but you could choose a few small things to try. You may find that it only takes being committed to a few small changes to achieve a big result. If you buy an inexpensive cup of coffee at a quick mart on your way to work everyday, you'd spend well over $350 a year. By saving that money instead, you could make a big difference over time. That $350 a year and the interest it would earn could mean thousands down the road. Here are just a few tips to help you get started with your savings resolutions:

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